Having a car on the road, as we all know, costs a lot of money when you take into consideration petrol, road tax, mot tests, maintenance and of course, insurance. The sky-high premiums charged to young drivers has seen the number of those people learning to drive drop by 19% since 2005.Whereas there’s little you can do about most of those costs, there may be significant measures you can take in regards to your car insurance and keeping your premiums down.

Pass Plus

Car Insurance is not optional, so if you want to drive, it’s something that you will have to face sooner or later. The first big step you can take is obtain your Pass Plus certification, which can take as little as 6 hours to complete with an accredited driving instructor. A good selection of insurance companies recognise Pass Plus as an indicator that you have the extra experience and less like likely to have an accident, making you less of an insurance liability and therefore cheaper to insure. Not all companies give a discount for this, so it’s important to check when getting insured. For those that do, you can expect a reduction in the region of 30% as a reward for your efforts.

Don’t ‘soup up’ up your car

A key factor in your insurance company deciding your category is the performance of your vehicle. If it has been modified with low-profile alloy wheels and a spoiler etc, then you can expect your premiums to rise to ‘eye-watering’ levels.

Telematic car insurance

Although you will be required to pay a relatively high cost at the start of your policy, telematic insurance rewards safe driving. According to the AA, a small ‘black box’ GPS device is fitted in your car to record how the car is driven. Factors like speed and cornering are measured to give you a score which may lead to a reduced premium if you drive safely. The advantage is that you pay a premium that’s based on your driving record, rather than the record of all young drivers.

Improve your car’s security

Another of the major factors used in calculating your premiums is your car’s overall security. For example, where the vehicle is kept overnight. If it’s kept in a garage, that is better than if it’s kept out on a busy road. Others details include security measures such as alarms/immobilisers, glass etching and removing valuables from your car.

Limited hours policy

Not the sexiest policy around, but when needs must a measure that could result in a reduction of up to 40% is to take out a limited hours policy. A policy aimed at 17 to 25 year olds, it asks that you don’t drive your car between the hours of 11pm and 5am, a time when it is much less likely you’ll be out and about anyway.

Again, check with your insurer to see if this is an option when getting quotes.

You really can change your driving landscape with these different approaches. It could be the difference between you driving and not being able to drive at all.

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